TRANSACTION FEES FOR PRIVATE INDIVIDUALS
(Applicable as of 04.11.2014.)
1. PAYMENT ACCOUNT OPENING
(current account, foreign currency account, kuna and foreign currency giro account, kuna and foreign currency
savings book, a vista savings account)
1.1.
Kuna/foreign currency savings book opening (if on behalf of minors
100,00 HRK
free of charge)
1.2.
A vista savings account opening
20,00 HRK
1.3.
Other accounts opening
free of charge
1.4.
Contracting Letter of Attorney in payment accounts
free of charge
2. PAYMENT ACCOUNT MANAGEMENT
2.1.
2.1.1.
Current account management
Managing a current account with movement (accounts in the name
of juvenile persons, accounts blocked due to foreclosure and
accounts blocked due to card loss/theft free of charge)
9,00 HRK per month
FlexiPLUS current account holders are not charged the current
account management fee.
2.1.2.
2.1.3.
2.1.4.
2.2.
2.2.1.
2.2.2.
2.2.3.
2.2.4.
2.2.5.
2.3.
2.3.1.
2.3.2.
2.3.3.
2.3.4.
2.3.5.
2.3.6.
2.3.7.
2.3.8.
Managing current account without turnover
Managing pension payment current account
Managing special purpose account
Management of other accounts
Managing kuna giro account with bank card and debit card, and
foreign currency account, foreign currency giro account and a vista
saving account with bank card
Managing foreign currency account with debit card(s) (for accounts
blocked based on enforcement of court ruling and in case of card
loss/theft, free of charge)
Managing foreign currency giro account with debit card(s) (for
accounts blocked based on enforcement of court ruling and in case of
card loss/theft, free of charge)
Kuna/foreign currency savings book management
Proxy using the account
Use of Flexi PLUS current account (package of services)
Use of Flexi START current account
Use of Flexi IDEAL current account
Use of Flexi PREMIUM current account
Use of Flexi PREMIUM PLUS current account
Use od Flexi GOLD current account
Use of Flexi SENIOR current account
Use of Flexi STUDENT current account
Use of Flexi LINK current account
free of charge
free of charge
free of charge
free of charge
5,00 HRK per month
5,00 HRK per month
free of charge
free of charge
22,00
44,00
77,00
99,00
77,00
11,00
HRK per month
HRK per month
HRK per month
HRK per month
HRK per month
HRK per month
free of charge
69,00 HRK per month
3. PAYMENT ACCOUNT CLOSING
3.1.
3.2.
3.3.
Kuna/foreign currency savings book closing
Other accounts closing
Closing the Flexi LINK Current Account before the expiry of the
minimal one-year utilization period
3.4.
Closing other Flexi PLUS Current Accounts (service package)
free of charge
free of charge
one-off fee in the amount of
the monthly Flexi LINK
Current Account fee
multiplied by the remaining
number of months
free of charge
4. BANK ACCOUNT CURRENCY CONVERSIONS
4.1.
Foreign currency conversion upon withdrawal/deposit/with transfer to
free of charge
4.2.
4.3.
payment account at the Bank/upon making a payment within the
country/abroad
Deposit to foreign currency account/foreign currency giro
account/foreign currency savings book from kuna funds or by
transfer from kuna account
Withdrawal from foreign currency account/foreign currency giro
account/foreign currency savings book in kuna or by transfer to kuna
account
free of charge
free of charge
5. STANDING ORDER AND DIRECT DEBIT ORDER
5.1.
5.2.
5.2.1.
5.2.2.
Arranging standing order/direct debit order use
Standing order/direct debit order execution
in favour of retail accounts at the Bank
in favour of transaction accounts of legal entities/craftsmen at the
Bank
FlexiIDEAL, FlexiGOLD and FlexiPREMIUM PLUS current account
users do not pay the fee.
5.2.3.
5.3.
in favour of transaction accounts outside the Bank
Standing order/direct debit order closing
free of charge
free of charge
0,20%, min 1,00 HRK,
max 20,00 HRK
0,25%, min 1,00 HRK,
max 50,00 HRK
free of charge
6. REPORTING
6.1.
6.1.1.
6.1.2.
Information on account balance and turnover under payment accounts
Monthly payment account statement
Additional payment account statement
free of charge
10,00 HRK per statement
7. CHEQUE OPERATIONS
7.1.
7.2.
7.2.1.
7.2.2.
Blank cheque blocking due to loss/theft
Cheque processing fee
if used in the retail sales network
if used/cashed at the Croatian Post
5,00 HRK/ blank cheque
free of charge
25,00 HRK per cheque
8. OVERDRAFT/CREDIT UNDER CURRENT ACCOUNT
8.1.
8.2.
8.3.
Approval of credit under current account
Change of current account overdraft
(First overdraft approval is free of charge)
Contracting installment debt repayment in the current account
40,00 HRK
40,00 HRK
free of charge
9. NOTICES AND REMINDERS OF UNAUTHORIZED ACCOUNT OVERDRAFT
9.1.
9.2.
9.3.
9.4.
Notice
Reminder
Reminder prior to lawsuit
Cancellation of a payment account agreement
free
free
free
free
of
of
of
of
charge
charge
charge
charge
10. ACCOUNT BLOCKAGE – by court decision
10.1.
10.1.1.
10.1.2.
Court order enforcement
Order for registering payment description codes through payment
transactions system - internal
Order for registering payment description codes through payment
transactions system - external
free of charge
2,00 HRK
11. PAYMENT TRANSACTIONS (transactions executed at the Bank’s outlet)
11.1.
11.1.1.
Deposits/withdrawals/transfers under accounts maintained by the Bank in the same
currency
Payments to PI payment accounts, including time deposits with
free of charge
multiple payments and premium savings
11.1.2.
11.1.3.
Disbursements from PI payment accounts
free of charge
External or domestic transfers/inflows to PI payment accounts,
free of charge
including time deposits with possible multiple payments and premium
savings
11.1.4.
Payments through deposit of foreign cheque on foreign currency
1,50%, min 40,00 HRK,
account/foreign currency giro account/foreign currency savings book,
max 300,00 HRK per cheque
including deposits with multiple payments and premium savings
11.2.
Payments in favour of accounts maintained by the Bank – in kuna or foreign currencies
11.2.1.
Kuna payments into domestic legal entity’s transaction account
1,00%, min 7,00 HRK,
opened at the Bank
max 100,00 HRK
11.2.2.
Kuna payments into foreign legal entity’s transaction account opened
1,00%, min 7,00 HRK,
at the Bank
max 100,00 HRK
(The fee is charged for payments exceeding the amount of 1,500.00
HRK.)
(Free of charge for payments into accounts of embassies and British
Council.)
11.2.3.
Foreign currency payments into domestic legal entity’s transaction
1,00%, min 10,00 HRK,
account opened at the Bank
max 100,00 HRK
11.2.4.
Foreign currency payments into foreign legal entity’s transaction
1,00%, min 10,00 HRK,
account opened at the Bank
max 100,00 HRK
(The fee is charged for payments exceeding the amount of EUR
200,00 or equivalent in foreign currency calculated at the Bank’s
middle exchange rate.)
(Free of charge for payments into accounts of embassies and British
Council.)
11.2.5.
Payments under loans in favour of accounts of Raiffeisenbank
1,00%, min 10,00 HRK,
Unterpremstätten, Raiffeisenbank Poelstal and Raiffeisenbank St.
max 100,00 HRK
Stefan-Jagerberg-Wolfsberg held with the Bank
11.2.6.
Legal entity’s cash payment (of up to HRK 105,000.00) made by
1,00%, min 7,00 HRK,
general payment slip to transaction account of legal entity/craftsman
max 100,00 HRK
opened at the Bank
11.3.
Payments in favour of accounts at other banks within the country – in kuna or foreign
currencies
11.3.1.
Kuna payments in favour of accounts at other banks
1,00%, min 9,00 HRK,
(Free of charge for refund of local pensions.)
max 100,00 HRK
11.3.2.
Foreign currency payments in favour of accounts at other banks –
0,35%, min 80,00 HRK,
other bank’s charges payable by user
max 1.000,00 HRK
11.3.3.
Foreign currency payments in favour of accounts at other banks –
0,50%, min 150,00 HRK,
other bank’s charges payable by payer
max 1.000,00 HRK
11.4.
Payments in favour of accounts abroad – in kuna or foreign currencies
11.4.1.
Payments in favour of accounts abroad – foreign bank’s charges
0,35%, min 80,00 HRK,
payable by user
max 1.000,00 HRK
(Free of charge for payments in favour of H. Stepic CEE Charity
Fund.)
11.4.2.
Payments in favour of accounts abroad – foreign bank’s charges
0,50%, min 150,00 HRK,
payable by payer
max 1.000,00 HRK
(Free of charge for payments in favour of H. Stepic CEE Charity
Fund.)
11.4.3.
Refund of foreign pensions
free of charge
11.5.
Withdrawal of international remittance in foreign cash, without
0,50%, min 40,00 HRK,
foreign currency account/savings book
max 1.500,00 HRK
11.6.
Complaints in relation to orders in FX payment transactions
200,00 HRK
11.7.
Processing foreign remittances
free of charge
Fees shall not be charged and collected for payments by cheques drawn on RBA-Zagreb, pension cheques,
cheques in the name of war damages for forced labour or slavery, and salary cheques of seamen. The Bank can
decide that payments credited to the benefit of humanitarian accounts be temporarily or permanently exempt
from fee charges.
For payments in favor of individual accounts with the Bank, the client may be fully or partially exempt from fees
if the contract between the payee and the Bank provides that reimbursement for these payments in lieu of the
payer, pay the payee. The beginning and termination of such contract payers informs the payee.
12. FOREIGN CURRENCY (CASH) TRADING/EXCHANGE AND FOREIGN CHEQUE
REDEMPTION
12.1.
12.2.
12.3.
12.4.
12.5.
Foreign currency (cash) purchase
Foreign currency (cash) sale to domestic private individuals
Foreign currency (cash) sale to foreign private individuals
EMU currency banknote exchange into EUR
Foreign cheque redemption at the exchange office
free of charge
free of charge
free of charge
10,00%, min 20,00 HRK
1,50%, min 40,00 HRK,
max 300,00 HRK per cheque
13. OTHER SERVICES IN KUNA AND FOREIGN CURRENCY OPERATIONS
13.1.
Foreign cheque acceptance (incasso)
13.2.
13.2.1.
13.2.2.
13.3.
Banknote acceptance (incasso)
Banknote incasso – kuna
Banknote incasso – foreign currency
Manipulative costs of submitting application for HROK credit report,
at retail client’s personal request
13.4.
13.4.1.
13.4.2.
13.4.3.
13.5.
13.5.1.
13.5.2.
13.5.3.
13.5.4.
13.6.
13.7.
13.8.
13.8.1.
13.8.2.
13.9.
13.9.1.
When sending a cheque for collection, there may occur additional
costs of the foreign bank.
1,00%, min 20,00 HRK, max
250,00 HRK per cheque
5,00%, min 10,00 HRK
10,00%, min 20,00 HRK
25,00 HRK, one off per
application (VAT included in
the amount)
Bank payment account card replacement (current account, foreign currency account,
kuna and foreign currency giro account, a vista savings account)
Bank payment account card replacement in case of loss/theft or due
20,00 HRK
to damage or first and/or last name change (if on behalf of minors,
free of charge)
Bank payment account card replacement in case of loss/theft,
20,00 HRK
including account blockade (if on behalf of minors, free of charge)
Bank payment account card replacement due to error or at the
free of charge
Bank’s request
Kuna/foreign currency savings book replacement
Savings book replacement in case of loss/theft or due to damage or
50,00 HRK
first and/or last name change (if on behalf of minors, free of charge)
Savings book replacement in case of loss/theft, including account
50,00 HRK
blockade
Savings book replacement due to error or at the Bank’s request
free of charge
Regular replacement of filled out savings book
free of charge
Issuance of various certificates, verified certificates, document
25,00 HRK per
photocopies or copies, etc.
certificate/verified
certificate/document (VAT
included in the amount)
Printout of turnover/inflow/account balance/swift certificate in the
5,00 HRK per page
outlet (with or without verification)
Faxing various documents at the client’s request
within the country
6,25 HRK (VAT included in
the amount)
abroad
12,50 HRK (VAT included in
the amount)
Cancelling previously announced cash withdrawal (cash
withdrawal of an amount over HRK 70,000.00 or EUR 10,000.00, and
of any amount whatsoever of any other foreign currency, is to be
announced at least 2 business days before the planned withdrawal
date)
exceeding 70.000,00 HRK in kuna withdrawals
0,50% of amount announced
13.9.2.
13.10.
13.10.1.
13.10.2.
13.10.3.
13.10.4.
13.10.5.
13.11.
13.12.
to Bank
exceeding 10.000,00 EUR or equivalent in foreign currency
0,50% of amount announced
to Bank, at RBA mid-rate
withdrawals
Coin handling fee (debited to the entire amount of cash deposit/withdrawal/exchange)
*amount is defined at the level of the client in a single day
Coin processing for cash payments or buy out of valid FX coins, in an
amount exceeding the countervalue of EUR 20.00 *
Coin handling in cash withdrawal/sale of foreign currency coins in the
amount equivalent to more than EUR 20.00*
Coin handling in cash deposit in kuna coins in the amount exceeding
100.00 HRK*(free of charge for deposit into minor’s savings
accounts)
Coin handling in cash withdrawal in kuna coins in the amount
exceeding 100.00 HRK* (free of charge for withdrawals from minor’s
savings accounts)
Exchange of kuna coins into kuna/foreign currency banknotes*
Cash disbursement of HRK 500,000.00 and more, or the countervalue
of the respective amount in a foreign currency, with respect to an
individual client and/or account in one day, calculated at the Bank's
middle exchange rate
Execution of inheritance ruling
10,00%
10,00%
2,50%
2,50%
2,50%, min. 10,00 HRK
0,25% of the amount
free of charge
14. SAVINGS-DEPOSIT TRANSACTIONS
14.1.
14.1.1.
14.2.
14.3.
Termination of non-purpose term savings deposit contract ahead of first maturity
if re-depositing less than 50% of the amount or withdrawing total
100,00 HRK
amount of terminated non-purpose term savings deposit
if re-depositing at least 50% of terminated non-purpose term
50,00 HRK
savings deposit
Termination of non-purpose term savings deposit contract, with an
free of charge
approved a vista interest
Termination of special-purpose guarantee term deposit contract
free of charge
(except for early termination of guarantee term deposit for loan
under repayment)
15. SAFE DEPOSIT BOXES
A safe deposit box can be rented for a minimum period of one year. The safe box rent fee is charged annually,
in advance. The safe box rent fee depends on the safe box type and location (fee amount includes VAT). The list
of retail outlets by categories is available on www.rba.hr and at the Bank retail outlets.
Retail Outlet Category
15.1.
Safe Deposit Box
I
II
III
Category
15.1.1.
Sef A (10.000 cm3 )
HRK 545,00
HRK 450,00
HRK 300,00
15.1.2.
Sef B (10.000-20.000
HRK 815,00
HRK 600,00
HRK 455,00
cm3)
15.1.3.
Sef C (20.000-40.000
HRK 1.070,00
HRK 865,00
HRK 600,00
cm3)
15.1.4.
Sef D (100.000-140.000
HRK 2.100,00
HRK 1.700,00
HRK 1.250,00
cm3)
15.2.
Boxes for savings books
180,00 HRK
(VAT included in the amount)
15.3.
Lost key fee
15.3.1.
safe deposit box key
125,00 HRK and actual cost
(VAT included in the amount)
15.3.2.
key for savings book boxes
125,00 HRK and actual cost
(VAT included in the amount)
15.4.
Reminders to renters of safe deposit box/savings book box
15.4.1.
15.4.2.
15.4.3.
Notice
Reminder
Reminder prior to lawsuit
free of charge
free of charge
free of charge
16. BANK INTERNAL DEPOTS
16.1.
16.1.1.
16.1.2.
Open Bank internal depots
safekeeping
safekeeping and management
free of charge
free of charge
RBA DIREKT SERVICES FEES
1. RBA tDIREKT (telephone banking)
1.1.
1.1.1.
1.1.2.
1.2.
* in case
1.3.
1.4.
1.4.1.
1.4.1.1.
1.4.1.2.
1.4.2.
1.4.2.1.
1.4.3.
1.4.3.1.
1.4.3.2.
1.4.3.3.
1.4.4.
1.4.4.1.
1.4.4.2.
Service admission fee
Admission fee for arranging tDIREKT service
50,00 HRK one off
Admission fee for arranging tDIREKT service with an already existing
free of charge
iDIREKT
service
Monthly fee for tDIREKT service*
10,00 HRK
(Free of charge for accounts blocked due to enforcement of court
ruling.)
of using to different devices double fee is chared
Issuance of receipt of executed payment – sending by mail
5,00 HRK/receipt
PAYMENT TRANSACTIONS (transactions executed via telephone banking)
Payments in favour of accounts maintained by the Bank – in kuna
Payments into domestic and foreign legal entity’s transaction account
free of charge
opened at the Bank
Payments into private individuals’ accounts within the Bank
free of charge
Payments in favour of accounts maintained by the Bank – in foreign currencies
Payments into domestic and foreign legal entity’s transaction account
0,15% min 8,00 HRK,
opened at the Bank
max 50,00 HRK
(The fee is charged for payments exceeding the amount of EUR
200,00 or equivalent in foreign currency calculated at the Bank’s
middle exchange rate.)
(Free of charge for payments into accounts of embassies and British
Council.)
Payments in favour of accounts at other banks within the country – in kuna or foreign
currencies
Kuna payments in favour of accounts at other banks
0,50%, min 2,00 HRK,
max 50,00 HRK
Foreign currency payments in favour of accounts at other banks –
0,30%, min 80,00 HRK,
other bank’s charges payable by user
max 1.000,00 HRK
Foreign currency payments in favour of accounts at other banks –
0,40%, min 150,00 HRK,
other bank’s charges payable by payer
max 1.000,00 HRK
Payments in favour of accounts abroad – in kuna or foreign currencies
Payments in favour of accounts abroad – foreign bank’s charges
0,30%, min 80,00 HRK,
payable by user
max 1.000,00 HRK
Payments in favour of accounts abroad – foreign bank’s charges
0,40%, min 150,00 HRK,
payable by payer
max 1.000,00 HRK
2. RBA mDIREKT (SMS and mobile banking)
2.1.
2.1.1.
2.1.2.
mDIREKT Account balance
Admission fee for arranging mDIREKT Account balance service
Monthly fee for mDIREKT Account balance service
(Free of charge for accounts blocked due to enforcement of court
ruling.)
free of charge
5,00 HRK monthly per GSM
number
The FlexiIDEAL, FlexiGOLD and FlexiPREMIUM PLUS current account
holders do not pay the fee.
2.2.
2.2.1.
2.2.2.
2.3.
2.3.1.
2.3.2.
mDIREKT Bill payment
Admission fee for arranging mDIREKT Bill payment service
free of charge
Monthly fee for mDIREKT Bill payment service
free of charge
mDIREKT Turnover overview
Admission fee for arranging mDIREKT Turnover overview service
free of charge
Monthly fee for mDIREKT Turnover overview service
free of charge
(Free of charge for accounts blocked based on enforcement of court
ruling.)
2.4.
mDIREKT Credit cards
2.4.1.
Admission fee for arranging mDIREKT Credit cards service
free of charge
2.4.2.
Monthly fee for mDIREKT Credit cards service
free of charge
2.5.
RBA na dlanu (mobile banking)*
2.5.1.
Admission fee for arranging RBA na dlanu
free of charge
2.5.2.
Monthly fee for RBA na dlanu
free of charge
*a precondition for arrangement of the service RBA na dlanu is a previous arrangement of iDIREKT service
3. RBA iDIREKT (Internet Banking)
3.1.
3.1.1.
3.1.2.
3.2.
3.2.1.
Service admission fee
Admission fee for arranging iDIREKT service
The FlexiPLUS current account holders do not pay the fee.
(in the promotional period 18/08-31/12/2014 no entry fee will be
charged when contracting the iDIREKT service with the mToken
authentication device)
Admission fee for arranging iDIREKT service with an already existing
tDIREKT service
Service Fee
Monthly fee for iDIREKT service* (Free of charge for accounts
blocked based on enforcement of court ruling.)
30,00 HRK one off
free of charge
7,00 HRK
* in case of using to different devices double fee is charged, except
The FlexiPLUS current account holders do not pay the fee.
3.2.2.
3.3.
3.4.
3.4.1.
3.4.1.1.
3.4.1.2.
3.4.2.
3.4.2.1.
3.4.3.
3.4.3.1.
eRačun service usage fee
free of charge
Issuance of receipt of executed payment – sending by mail
5,00 HRK/receipt
PAYMENT TRANSACTIONS (transactions executed via iDIREKT/RBA na dlanu service)
Payments in favour of accounts maintained by the Bank – in kuna
Payments into domestic and foreign legal entity’s transaction account
free of charge
opened at the Bank
Payments into private individuals’ accounts within the Bank
free of charge
Payments in favour of accounts maintained by the Bank – in foreign currencies
Payments into domestic and foreign legal entity’s transaction account
0,15% min 8,00 HRK,
opened at the Bank
max 40,00 HRK
(The fee is charged for payments exceeding the amount of EUR
200,00 or equivalent in foreign currency calculated at the Bank’s
middle exchange rate.)
(Free of charge for payments into accounts of embassies and British
Council.)
Payments in favour of accounts at other banks within the country – in kuna or foreign
currencies
Kuna payments in favour of accounts at other banks
0,35%, min 2,00 HRK,
The FlexiPLUS current account holders pay 50% of the original fee
max 20,00 HRK
(0.175%, min. 1,00 HRK, max. 10,00 HRK). The fee charged for
payment orders placed in advance will be the fee effective as on the
date of placing the respective order.
3.4.3.2.
Foreign currency payments in favour of accounts at other banks –
other bank’s charges payable by user
0,25%, min 80,00 HRK,
max 1.000,00 HRK
3.4.3.3.
3.4.4.
3.4.4.1.
3.4.4.2.
Foreign currency payments in favour of accounts at other banks –
0,35%, min 150,00 HRK,
other bank’s charges payable by payer
max 1.000,00 HRK
Payments in favour of accounts abroad – in kuna or foreign currencies
Payments in favour of accounts abroad – foreign bank’s charges
0,25%, min 80,00 HRK, max
payable by user
1.000,00 HRK
Payments in favour of accounts abroad – foreign bank’s charges
0,35%, min 150,00 HRK,
payable by payer
max 1.000,00 HRK
4. SERVICE CANCELLATION
4.1.
4.2.
4.3.
Service cancellation by user without return of device
Service cancellation by the Bank without return of device
Service blockage at the Bank’s request
free of charge
free of charge
free of charge
5. DEVICE FEES
5.1.
5.2.
5.3.
5.4.
5.5.
5.6.
Issuance of additional or new device due to loss/theft or damage
caused by user – takeover at RBA outlet
Issuance of additional or new device due to loss/theft or damage
caused by user – delivery to home address
Issuance of mToken
Reissuance of mToken due to loss of PIN or loss/theft of mobile
phone or locking of mToken
Replacement of device due to error or at the Bank’s request
First issuance of token or card Reader
120,00 HRK one off
150,00 HRK one off
free of charge
free of charge
free of charge
100 HRK one-off
6. RBA eBROKER
6.1.
6.2.
Admission fee for arranging eBroker service
Monthly fee for eBroker service
(Free of charge for accounts blocked based on enforcement of court
ruling.)
free of charge
10,00 HRK
The FlexiPLUS current account holders do not pay the fee to
managing current account.
CARD TRANSACTION FEES
1.
DEBIT CARDS Visa Electron/Maestro
1.
1.1.
1.1.1.
Use of Visa Electron/Maestro debit card under current account
Account debit card issuance
Main Visa Electron/Maestro account card issuance
1.1.2.
Additional Visa Electron/Maestro card issuance to a person authorized
under the account
10,00 HRK (for first
issuance)
Second main or second additional Visa Electron/Maestro account card
issuance
Annual fee for debit cards
Closing of debit card
Card replacement
Card replacement/issuance in case of loss/theft
Card replacement/issuance due to damage or first and/or last name
change
Card replacement due to error or at the Bank’s request
PIN issuance
First PIN issuance
PIN reissue
50,00 HRK one off
The FlexiPLUS current account holders do not pay the fee for account
card issuance.
The FlexiIDEAL, FlexiGOLD and FlexiPREMIUM PLUS current account
holders do not pay the fee for account card issuance.
1.1.3.
1.1.4.
1.1.5.
1.2.
1.2.1.
1.2.2.
1.2.3.
1.3.
1.3.1.
1.3.2.
10,00 HRK (for first
issuance)
free of charge
free of charge
50,00 HRK
50,00 HRK
free of charge
free of charge
20,00 HRK
1.4.
1.5.
1.6.
1.6.1.
1.7.
1.7.1.
1.7.2.
1.7.3.
1.7.4.
1.7.5.
1.7.6.
1.8.
1.9.
2.
2.1.
2.1.1
2.1.2.
2.1.3.
2.2.
2.2.1.
2.2.2.
2.2.3.
2.3.
2.4.
2.5.
2.6.
2.6.1.
2.7.
2.7.1.
2.7.2.
2.7.3.
2.7.4.
2.7.5.
2.7.6.
2.8.
2.8.1.
2.8.2.
2.9.
Resending the undelivered card to the client’s address within 60 days’
period
Expenses due to unjustifiably disputed card transaction
25,00 HRK
20,00% of the amount of
the complaint, min. 20,00
EUR in kuna equivalent
Cash deposit
at the Bank’s ATMs
not applicable
Cash withdrawals (maximum daily cash withdrawal limit at ATMs
and EFT POS devices in the country and abroad is HRK 5,000.00)
at the Bank’s ATMs
free of charge
at other banks’ ATMs within the country
1,50%, min 20,00 HRK
at ATMs abroad
1,50%, min 20,00 HRK
at other banks’ EFT POS in the country and Croatian Post
1,50%, min 20,00 HRK
at EFT POS abroad
1,50%, min 20,00 HRK
at the Bank's EFT POS
not applicable
Payment at EFT POS in the country and abroad
free of charge
Payment at the Bank's EFT POS
free of charge
Use of Visa Electron debit card under foreign currency account
Issuance of Visa Electron debit card under foreign currency account
Main Visa Electron debit card issuance
free of charge
Additional Visa Electron card issuance to a person authorized under
25,00 HRK one off
the account
Second main or second additional Visa Electron account card
50,00 HRK one off
issuance
Card replacement
Card replacement/issuance in case of loss/theft
50,00 HRK
Card replacement/issuance due to damage or first and/or last name
change
50,00 HRK
Card replacement due to error or at the Bank’s request
free of charge
PIN reissue
20,00 HRK
Resending the undelivered card to the client’s address within 60 days’
period
25,00 HRK
Expenses due to unjustifiably disputed card transaction
20,00% of the amount of
the complaint, min. 20,00
EUR in kuna equivalent
Fee amount in foreign currency:
Cash deposit
at the Bank’s ATMs
not applicable
not applicable
Cash withdrawals (maximum daily
EUR card in EUR
USD card in USD
cash withdrawal limit at ATMs and EFT
POS devices in the country and abroad
is HRK 5,000.00 or the countervalue of a
currency in the FX Account)
at the Bank’s ATMs
free of charge
free of charge
at other banks’ ATMs within the
1,50%, min 2,60 EUR
1,50%, min 3,30 USD
country
at ATMs abroad
1,50%, min 2,60 EUR
1,50%, min 3,30 USD
at the Banks EFT POS
not applicable
not applicable
at other banks’ EFT POS in the country
1,50%, min 2,60 EUR
1,50%, min 3,30 USD
and Croatian Post
at EFT POS abroad
1,50%, min 2,60 EUR
1,50%, min 3,30 USD
Payment at EFT POS
Payment at EFT POS in the country and
free of charge
free of charge
abroad
Payment at the Bank's EFT POS
free of charge
free of charge
Other fees
2.9.1
2.9.2.
2.9.3.
2.9.4.
2.9.5.
2.9.6.
2.9.7.
2.9.8.
2.9.9.
2.
1.
1.1.
Card PIN change at the Bank's ATM
Card PIN change at other banks’ ATMs in the country and abroad
Fee for the 3rd and every following consecutively unapproved
authorization at an ATM
Sending a slip copy from a sales venue to an address in Croatia upon
holders complaint
Sending a slip copy from a sales venue to an address abroad upon
holders complaint
Using card for installment payment
Delivery of card retained at an ATM in the country
Delivery of card retained at an ATM abroad
Downpayment at the Bank's ATM
not applicable
not applicable
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
not applicable
PERSONAL CREDIT CARDS – MasterCard i Visa
Registration and membership fees
Registration fee for the main MasterCard, Visa Classic, Visa LF, Visa
Gold and Visa Platinum card holder
100,00 HRK one off
The FlexiSENIOR and FlexiIDEAL current account holders do not pay
the entry fee for the main MasterCard, Visa Classic or Visa LF credit
card user, the FlexiGOLD current account holders do not pay the
entry fee for the main Visa Gold credit card user,The FlexiPREMIUM
PLUS current account holders do not pay the entry fee for the main
Visa Platinum credit card user.
1.2.
1.3.
Registration fee for an additional MasterCard, Visa Classic, Visa LF,
Visa Gold and Visa Platinum card holder
Annual membership fee for the main MasterCard, Visa Classic and
Visa LF card holder (mDIREKT Credit cards service included in the
annual membership fee)
50,00 HRK one off
200,00 HRK
The FlexiSENIOR and FlexiIDEAL current account holders do not pay
the annual membership for the main MasterCard, Visa Classic or Visa
LF credit card user.
1.4.
1.5.
Annual membership fee for an additional MasterCard, Visa Classic i
Visa LF card holder
Annual membership fee for the main Visa Gold card holder
(UNIQA travel and health insurance and mDIREKT credit card service
included in the annual membership fee)
90,00 HRK
500,00 HRK
The FlexiGOLD current account holders do not pay the annual
membership for the main Visa Gold credit card user.
1.6.
1.7.
Annual membership fee for an additional Visa Gold card holder
Annual membership fee for the main Visa Platinum card holder
(UNIQA travel and health insurance, UNIQA additional health
insurance, Priority Pass service and mDIREKT credit card service
included in the annual membership fee)
200,00 HRK
900,00 HRK
The FlexiPREMIUM PLUS current account holders do not pay the
annual membership for the main Visa Platinum credit card user.
1.8.
1.9.
1.9.1.
1.9.2.
2.
2.1.
2.1.1.
2.2.
Annual membership fee for an additional Visa Platinum card holder
(UNIQA travel and health insurance, UNIQA additional health
insurance, Priority Pass service and mDIREKT credit card service
included in the annual membership fee)
Regular card issuance – first issuance (primary and additional card
holder)
Regular card issuance - reissuance (primary card holder)
Regular card issuance - reissuance (additional card holder)
Cash withdrawals
at the Bank’s ATM
at the Bank's EFT POS
at other banks’ ATMs within the country
600,00 HRK
free of charge
free of charge
free of charge
3,00%, min. 20,00 HRK
not applicable
3,00%, min. 20,00 HRK
2.3.
2.4.
2.5.
3.
3.1.
3.2.
3.3.
3.4.
4.
5.
5.1.
5.1.1.
5.1.2.
5.1.3.
5.1.4
5.1.5.
5.1.6.
5.1.7.
5.2.
5.2.1.
5.2.2.
5.2.3.
5.2.4.
5.2.4.1.
5.2.4.2.
5.2.5.
5.2.6.
at other banks’ ATMs abroad
at other banks’ EFT POS and imprinter within the country
at EFT POS and imprinters abroad
Non-cash transaction
Payment at EFT POS in the country
Payment at EFT POS abroad
Payment at the Bank's EFT POS
Direct debit order execution in favour of an account at the Bank for
settling charges incurred by means of card usage
Information via a credit card statement on charges incurred
by means of card usage and payments
One-time fees
Notices and reminders
Notice on unsettled card debt
First reminder of unsettled card debt
Second reminder of unsettled card debt
Credit card cancellation
Reminder prior to a lawsuit
Reminder of charges above the approved spending limit
Reminder prior to credit card cancellation
Other fees
Card replacementin in case of loss/theft
Card replacement due to damage or first and/or last name change
Card replacement due to error or at the Bank’s request
PIN issuance
First PIN issuance
PIN reissue
Resending the undelivered card to the client’s address within 60 days’
period
Expenses due to unjustifiably disputed card transaction
5.2.7.
Credit card turnover statement/debt balance statement or of any
other document at the client’s request
5.2.8.
5.2.9.
5.3.0.
5.3.1.
Change of the spending limit per credit card
Credit card cancellation by the client
Overrun of the approved spending limit
Urgent card/PIN issuance at the client's request – delivery in the
country
Urgent card/PIN issuance at the client's request – delivery abroad
Reporting loss, cancellation and theft of cradit card
Card PIN change at the Bank's ATM
Card PIN change at other banks’ ATMs in the country and abroad
Fee for the 3rd and every following consecutively unapproved
authorization at an ATM
Card seizure at a sales venue
Sending a slip copy from a sales venue to an address in Croatia upon
holders complaint
Sending a slip copy from a sales venue to an address abroad upon
holders complaint
Maturity date change
Fee for expenses specification at request
Using Cards in Installment Purchase
5.3.2.
5.3.3.
5.3.4.
5.3.5.
5.3.6.
5.3.7.
5.3.8.
5.3.9.
5.4.0.
5.4.1.
5.4.2.
3,00%, min. 20,00 HRK
3,00%, min. 20,00 HRK
3,00%, min. 20,00 HRK
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
100,00 HRK
free of charge
free of charge
free of charge
50,00 HRK
50,00 HRK
free of charge
free of charge
20,00 HRK
30,00 HRK
20,00% of the amount of the
complaint, min 20,00 EUR in
kuna equivalent
36,90 HRK per issued
document
(VAT included in the amount)
40,00 HRK
free of charge
free of charge
free of charge
free of charge
free of charge
not applicable
not applicable
free of charge
free of charge
free of charge
free of charge
free of charge
free of charge
5.4.2.1.
5.4.2.2.
5.4.2.3.
5.4.2.4.
5.4.2.5.
5.4.2.6.
5.4.3.
5.4.4.
5.4.5.
5.4.6.
5.4.7.
Dividing purchase amounts into installments at the POS device of
RBA contractual partners
Dividing purchase amounts into installments by contacting the Call
Centre
Dividing purchase amounts into installments using the iDIREKT
Internet Banking
Dividing purchase amounts into installments using the RBA na dlanu
application
Dividing purchase amounts into installments using the sms mDIREKT
Credit Cards
Early repayment of installment purchase or changing the number of
installments
Delivery of card retained at an ATM in the country
Delivery of card retained at an ATM abroad
Compensation to finder of a card issued by the Bank debiting the
card holder
Downpayment at the Bank's ATM
UNIQA Insurance with a credit card
free of charge
HRK 15.00
HRK 15.00
not applicable
not applicable
free of charge
free of charge
free of charge
free of charge
not applicable
100,00 HRK annually
3. ZLATNA RBICA REWARDS PROGRAM
1.
2.
Entry fee for Zlatna Rbica rewards program
Membership fee for Zlatna Rbica rewards program
no entry fee
no membership fee
SPECIFIC CHARACTERISTICS OF FEE CALCULATION AND COLLECTION BY BUSINESS
FIELDS
RETAIL BANKING FEES
Fees in kuna and foreign currency banking
The fee for executing cashless and cash payment transactions in retail kuna and foreign currency accounts shall be
calculated and charged upon executing the particular transaction. Fees for other services in kuna and foreign
currency business operations shall be charged once in advance or upon executing the transaction.
For services in foreign retail banking, if the fee should be charged from the Service User's foreign currency account
held with RBA, the RBA buy exchange rate for FX valid on the day of charging it shall be used. When a payments
in favour of accounts maintained by the Bank – in foreign currencies, payments in favour of accounts maintained
by the Bank – in foreign currencies and payments in favour of accounts at other banks within the country – in kuna
or foreign currencies, is executed through the Internet banking, and when the fee is charged from the Account
Holder's FX Account with RBA, the RBA middle exchange rate valid as on the day of calculation shall be applicable.
The fee calculated for kuna and foreign currency business transactions shall be charged from the Service User's
account or by cash payment.
Fees for banking services in giro accounts, current account and foreign currency account,
foreign currency giro account and a vista savings account
The Bank shall calculate fees for money transfer services and for other services in the account in advance or upon
executing the transaction, and debit the account or receive cash payment for the fee amount.
The account management fee (if defined under the Decision on Service Fees) is calculated monthly, in arrears, and
debited from the account for all accounts that are active as on the date of fee collection processing. The fee for
account processing shall not be charged if the account was blocked because of conducting foreclosures and
blocked accounts in case of card loss/theft.
The current account management fee shall be be charged only if there is real movement in the respective
account. Real movement shall not include: the account management fee, the service usage fee, account
interests and fixed deposit interests.
The foreign currency account management fee shall be charged if there is a debit card greed for the
respective account, and the following shall be applicable:
- the fee shall be collected also in case the debit card has been issued and cancelled in the same month,
- the fee shall be collected for the account, regardless of the number of cards issued per particular
account.
The management fee for a foreign currency account for which a debit card has been issued shall burden
first the predefined currencies in the card (if account currency is EUR and USD, EUR shall take
precedence). If there are not sufficient assets for fee collection, the currencies that have or had had a
balance in the account, in the sequence by their respective letter marks of the currencies, shall be
debited.
The fee charged and collected by debiting a foreign currency account for which no debit card has been
issued shall debit the rrencies that have or had had a balance in the account, in the sequence by their
respective letter marks of the currencies and the EUR balance shall be debited first.
The currency and the amount for book-keeping is selected by collecting the amount by currencies until
the moment of settlement of the entire fee amount. If there have not been sufficient assets in all the
affected currencies to collect the fee, the currency that is the first by priority rank shall be allowed into
overrun, which means that:
- in a foreign currency account for which a debit card has been issued, first the predefined currency in
the card shall be debited (if account currency is EUR and USD, EUR shall take precedence), the
currencies that have or had had a balance in the account, in the sequence by their respective letter
marks of the currencies,
- a foreign currency account for which no debit card has been issued, the currencies that have or had
had a balance in the account, in the sequence by their respective letter marks of the currencies, and
the EUR balance shall be debited first.
The fee amount is defined in the kuna, and for calculation into a particular currency the FC buy
exchange rate shall be applicable.
The monthly current account package management fee (FlexiPLUS current account)
The current account package management fee is calculated at the beginning of the month, in arrears, for
all current accounts that are active as on the date of fee collection processing. The current account
package management fee is calculated for the entire month, regardless of the date of contracting the
respective package.
Fees for use of the RBA DIREKT services
The fee for using the services shall be calculated monthly, in arrears, and charged from the account. RBA DIREKT
services fee shall be charged for the entire month, regardless of the number of usage days.
Other fees shall be calculated upon executed transaction (fee for executing transactions through the RBA Direkt
service) or in advance (access fee), and debited from the account or settled by cash payment.
The fee for using the services shall be charged from the account that was active as on the day of fee collection
processing, in the following order:
1. current account
2. foreign currency account
3. kuna giro account
4. foreign currency giro account.
If a client has several identical products contracted (several identical types of accounts), the service usage fee shall
be charged by the increasing number of the account number.
If there are not sufficient assets in any of the above accounts at the moment of fee processing, the processing
shall be restarted in the same order and make the first account from the defined sequence to overrun.
When the fee is charged from an FC account or an FC giro account, the currency of the highest balance shall be
debited. If there are not sufficient assets to collect the fee in any of the available currencies, the fee shall be
charged from and FC account in which the EUR balance shall be made to overrun.
Card banking fees
The fees for transactions executed at ATMs and POS terminals by using the Bank debit and credit cards, shall be
calculated upon the transaction execution, and charged by debiting the account for which the fee was calculated.
Other fees regarding card banking shall be calculated in advance or upon executing the transaction, and collected
from the account or by cash payment.
Excerpts from the Decision on Service Fees are available on: www.rba.hr, RBA business network and RBA INFO
phone 072 62 62 62.
Applicable as of 04/11/2014.